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Sometimes what happens is debt collector tries to collect on debts which you are not aware of or is out of your knowledge. You need to request an authenticity of debt when a bill collector demands a full payment on your debt which you never knew existed.

When you request for an authenticity of debt, it is a proof that the collection agency who is contacting you is the right person that you are dealing on behalf of the original creditor. This also includes a complete payment history starting with the original creditor and a copy of the original signed loan or credit card application. This could possibly be one that you might have to pay or may be it is sent by mistake to you. Either way this collector can be very unpleasant. However it is important to remember that you also have rights.

After the initial communication with a consumer relating with the collection of any debt, a debt collector should send the consumer a written notice containing:

(1) The debt amount.

(2) The creditors name to whom the debt is owed

(3) If the statement is disputed the validity of debt within thirty days after receipt of the notice then the debt will be assumed to be valid by the debt collector.

(4) A statement which consumer notifies that the debt collector has disputed within thirty day period, or any portion thereof then the debt collector would obtain verification of the debt

(5) The statement of the consumer’s written request .within the thirty-day period, the debt collector would provide the consumer with the name and address of the original creditor, if found different from the current creditor.

(6) (c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.